if me or my missus was hit by a car and it wasnt our fault and it turned out the person had no mot which resulted in no insurance payout they would be due a hefty beatin i think its daft to even think about driving a car with no mot for your own safety and others.
if you think your car is gonna fail well it aint fit for the road and to drive it with no mot because you have no money is a bit selfish and very lazy